Side-by-side · Q2 2026 data
First National Bank and Trust Company of Ardmore vs International Bank of Commerce
Bank
First National Bank and Trust Company of Ardmore
Ardmore, Oklahoma · $100 million – $1 billion
Metric by metric
| Measure | First National Bank and Trust Company of Ardmore | International Bank of Commerce |
|---|---|---|
| TellerScore | 79 | 88 (stronger) |
| Capital cushion | 51 | 100 (stronger) |
| Loan quality | 99 (stronger) | 78 |
| Earnings | 83 (stronger) | 75 |
| Funding & liquidity | 81 | 90 (stronger) |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 75th | 98th |
| Total assets | $686.7M | $1.6B |
| Deposits / shares | $587.6M | $1.2B |
| Capital ratio | 10.07% | 15.53% (stronger) |
| Problem loans | 0.03% (stronger) | 0.66% |
| Net charge-offs | -0.01% (stronger) | 0.25% |
| Return on assets | 1.56% (stronger) | 1.37% |
| Loans ÷ deposits | 70.1% | 54.8% (stronger) |
| Uninsured deposits | 23.2% (stronger) | 24.2% |
| Offices | 11 | 41 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.7% | — |
International Bank of Commerce has the higher TellerScore (88 vs 79). On the 7 directional measures above (where higher or lower is clearly better), First National Bank and Trust Company of Ardmore leads on 4 and International Bank of Commerce on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Ardmore, OK
- Edmond, OK
- Norman, OK
- Sulphur, OK